• Universal Sompo Janta Personal Accident Insurance

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Most general insurers and standalone health insurance companies provide personal accident covers in addition to their regular health insurance plans. Personal accident covers provide lump sum benefit against unexpected eventualities like accidental death or disability during the policy period. Universal Sompo Janta Personal Accident Insurance is a group personal accident policy offered by the insurer. Similar to individual personal accident covers, this policy does not provide coverage against the medical expenses incurred by the policyholder. The benefit obtained from this policy can be used for anything and there is no need to submit any expense bills or proofs.

    Eligibility for Universal Sompo Janta Personal Accident Insurance

    Those applying for Universal Sompo Janta Personal Accident Insurance must meet the following eligibility criteria:

    • The proposer of the policy must be at least 18 years of age.
    • The maximum entry age of this policy cover is capped at 65 years.
    • Dependent children can be covered from the age of 5 years along with their parents.
    • This policy is available for employees of an organisation or members of a specific group/association/club.

    Features of Universal Sompo Janta Personal Accident Insurance

    Universal Sompo Janta Personal Accident Insurance comes with the following set of features:

    • Since this is a group cover, the maximum sum insured offered to a person varies based on the individual discretion of the company.
    • Premium discounts are offered based on the number of members enrolled under a single policy cover. To avail this discount, at least 25 members must be enrolled in a policy cover.
    • Up to 25% premium discount is available if the policy is taken for restricted hours when the insured person is on duty.
    • Up to 50% premium discount is available if the policy is taken for restricted hours when the insured person is off duty.
    • This policy cover is available for a term of 12 months.
    • The premium amount for this policy is determined based on the number of group members, sum insured amount, extensions added to the cover, etc.
    • Subject to approval from the Insurance Regulatory and Development Authority of India (IRDAI), the premium charges for this policy may be revised during the time of renewal.
    • During the 15-day free look period offered under this policy, customers can review the terms and conditions and cancel the policy if they are not satisfied.

    Benefits of Universal Sompo Janta Personal Accident Insurance

    The benefits offered under this personal accident policy can be given in the following table:

    Benefits Extent of Coverage
    Death of the insured person Full sum insured amount
    Permanent total disability due to an accident Full sum insured amount

    Exclusions of Universal Sompo Janta Personal Accident Insurance

    Some of the exclusions listed under Universal Sompo Janta Personal Accident Insurance can be listed as follows:

    • Any medical expenses incurred due to accidental injuries
    • Self-inflicted injuries, suicide, or attempted suicide
    • Death or injuries caused by drug addiction or alcoholism
    • Death or injuries caused while breaching the law with criminal intent
    • Any loss due to war, invasion, civil unrest, mutiny, or revolution
    • Illnesses or injuries caused by radioactive materials, toxic waste, or hazardous materials
    • Sexually transmitted diseases and venereal diseases
    • Death or disability caused by maternity, childbirth, or related complications
    • Death or injuries caused while participating in adventure sports
    • Expenses related to curative treatments or interventions

    Claim Procedure

    Death claim: Following the death of the insured person, the nominee or legal heir must file the claim request with the insurer within one calendar month of the event. While filing the death claim, the following documents must be submitted along with the claim form:

    • Death certificate
    • FIR copy
    • Original panchnama
    • Post mortem report

    Once the documents are submitted, the company will verify the validity of the claim. The settlement amount will be provided after the verification.

    Disability claim: Disability claims can be filed after a permanent disability caused by an accident. The disability may include permanent losses such as loss of eyesight or amputation of limbs following an accident. The claim must be filed within one month of the eventuality. While filing the claim, the following documents must be submitted to the insurer:

    • Original FIR
    • Panchnama
    • Hospitalisation report
    • Discharge summary
    • Physician certificate

    The company will verify the nature of the claim and provide the settlement amount after verification.

    In both claims, the company will communicate the acceptance or rejection of the claim within 30 days after the receipt of the last necessary document. The settlement amount will be provided within 7 days from the date of acceptance.

    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Universal Sompo Janta Personal Accident Insurance Reviews

    • Apollo Munich Health Insurance
      "Worst and Fraud insurance. never take it. rejects all claims"
      0.5 0.5/5 "Unacceptable"
      They reject all claims without proper reason. I personally experienced it. My claim of hospital bill was rejected giving any wrong reason. I urge all people, never take any policy of apollo munich. claim ID: 948912 case ID:5208987. Anyone can check my claim. Fraud apollo munich company, Playing with people money.
      Was this review helpful? 2
      , mumbai
      Reviewed on Mar 15, 2019
    • Star Health
      Star Health Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the STAR HEALTH & ALLIED INSURANCE where i been using the policy since from last few years. The premium i have paid is 11K for this policy, the medical coverage is for 2L 50K for this policy where the coverage is for self.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jan 30, 2019
    • Royal Sundaram Health Insurance
      "GOOD POLICY"
      0.5 4.5/5 "Excellent!"
      I have been using the health insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE since from last 4-5 years where i had claim once with this policy. The medical coverage is for 4L for complete family. The premium is nominal with this insurance policy.
      Was this review helpful? 5
      , bilaspur
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the HDFC ERGO GENERAL INSURANCE health insurance is because i wanted to enhance the medical coverage of this policy. It is a top up plan where i the coverage is for 6L for family. It also includes the pre existing disease coverage.
      Was this review helpful? 1
      , bilaspur
      Reviewed on Jan 29, 2019
    • Tata AIG Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the health insurance policy with the TATA AIG GENERAL INSURANCE since from last 10 years as i have no claim experience with this insurance policy. The premium is nominal also the medical coverage they have offered is 5L for self.
      Was this review helpful? 1
      , noida
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      Bankbazaarinsurance.com i am using it for the very first time as i am using it through the website as the portal is convenient to access also it is hassle free to apply for the insurance. The customer service is very good they explain the details of the policy.
      Was this review helpful? 1
      , indore
      Reviewed on Jan 29, 2019
    • National Insurance Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the NATIONAL INSURANCE is because the service is very good. The premium is nominal also the medical coverage what they have offered is 1L for self coverage. It has the disease coverage also the accidental coverage.
      Was this review helpful? 1
      , indore
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaarinsurance.com where i have been using it through the website as the portal is user friendly also it is convenient to access. The customer service is good by explaining the details of the policy.
      Was this review helpful? 1
      , thane
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the HDFC ERGO GENERAL INSURANCE is because i am an existing customer of life insurance with this HDFC. I had no claim experience with this policy but the medical coverage is for 5L for self.
      Was this review helpful? 1
      , thane
      Reviewed on Jan 29, 2019
    • Bajaj Allianz Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I am using with the health insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE from last two years which is a corporate policy where i had no claim experience but the premium i am paying for yearly where half of the amount has been paid by the company. The medical coverage they are providing is for 2L for family.
      Was this review helpful? 0
      , kumarakom
      Reviewed on Jan 27, 2019
    • Apollo Munich Health Insurance
      "EXCELLENT"
      0.5 4.0/5 "Great!"
      The premium is nominal when compared to the other health insurances with the APOLLO MUNICH so i have taken this health insurance policy. The claim settlement is very good and the customer service is very helpful. I had no claim experience but the medical coverage is for 10L with this policy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 25, 2019
    • review Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have been using the health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last 10 years where i have paid the premium for 7 years. The customer support is very helpful for getting the claim where i got 60K of claim with this policy. Medical coverage is for 5L for family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com i am using it from last more than one year and i have been using it through the website as i have faced with no issues with this portal and it is hassle free to access. The customer service is very good by explaining the details of the policy.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 23, 2019
    • Universal Sompo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The benefits are good with the UNIVERSAL SOMPO GENERAL INSURANCE health insurance so i have taken this insurance. I had no claim experience with this insurance policy but the premium is nominal and the medical coverage is for 10L and the policy coverage is family.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      This is the first time experience with the Bankbazaarinsurance .com where i am using it through the mobile application as the application is user friendly and also it is hassle free to use. The customer service is comfortable and they are responsive and it is good.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      It is the better plan when compared to the others so i have taken the health insurance policy with the HDFC ERGO GENERAL INSURANCE. Premium is nominal and also the medical coverage is satisfactory which gives the medical coverage is for family.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      I have taken the HDFC ERGO GENERAL INSURANCE health insurance policy with the where i have paid the premium 4187 and the medical coverage is satisfactory with this policy. I had no claim experience with this policy. I have not got the soft copy as well as the hard copy.
      Was this review helpful? 1
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com is the first time experience where i have been using it through the website as the portal is user friendly also it is comfortable to access. The customer support is with no proper response because they have not followed up.
      Was this review helpful? 0
      , hisar
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      The service is better than others so i have taken this HDFC ERGO GENERAL INSURANCE health insurance policy. I had no claim experience but the medical coverage is for 3L for self. I have not received the soft copy and the hard copy. There is no proper customer followup. The premium i have paid is 8,035.
      Was this review helpful? 4
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 3.0/5 "Satisfactory"
      It is the first time experience with the Bankbazaarinsurance.com where the portal is very good to use. I use it through the website as the portal is user friendly and hassle free to access. The customer service is very good and they are responsive.
      Was this review helpful? 1
      , nellore
      Reviewed on Jan 23, 2019
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